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SYF
$75.76-0.44 (-0.58%)
Market ClosedLast close May 1
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Synchrony Financial in the Financial Services sector is trading at $75.76. The stock is currently 15% below its 52-week high of $88.77, remaining 2.6% above its 200-day moving average. Technical signals show neutral RSI of 57 and bearish MACD signal, explaining why SYF maintains its current momentum and trend strength. The Whystock Score of 70/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 57) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$75.76
Potential Upside
176.4%
Whystock Fair Value$209.38
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus22 analysts
Buy
Mean target$89.59+18.3%
Range$77.00 – $103.00
Fundamentals
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans. It al...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$26.63B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
7.93
Beta
High-beta play. Expect amplified moves vs. the broad market.
1.38
Div Yield
Strong income play. Yield provides a meaningful total return floor.
152.00%
ROE
Elite ROE. Management converts capital into profit efficiently.
19.61%
Volume
Today's trading volume
3.00M
Recent News
Here's What We Like About Synchrony Financial's (NYSE:SYF) Upcoming Dividend
Readers hoping to buy Synchrony Financial ( NYSE:SYF ) for its dividend will need to make their move shortly, as the...
5 Revealing Analyst Questions From Synchrony Financial’s Q1 Earnings Call
Synchrony Financial’s first quarter was marked by flat revenue and a slight miss versus Wall Street’s sales expectations, prompting a negative market response. Management pointed to record purchase volume and strong engagement across its diversified consumer credit platforms, with CEO Brian Doubles highlighting “continued sequential improvement in average active account trends” as well as higher spend per account. However, rising payment rates and selective consumer spending, especially in Home
Is Synchrony’s Earnings Jump and $6.5 Billion Buyback Shaping the Investment Case for SYF?
In April 2026, Synchrony Financial reported higher first-quarter net interest income of US$4,635 million and net income of US$805 million, while its board approved a quarterly dividend of US$0.30 per share, declared preferred dividends, authorized a new US$6.50 billion share repurchase program, and outlined plans to lift the common dividend to US$0.34 from the third quarter of 2026. Alongside these shareholder return moves, Synchrony expanded its retail partner ecosystem by launching new...
3 Financials Stocks to Keep an Eye On
Financial institutions play a critical role, offering everything from consumer banking to wealth management and specialized financial solutions. But uncertainty about fiscal and monetary policy has tempered enthusiasm, and over the past six months, the industry has pulled back by 1.4%. This performance was disappointing since the S&P 500 climbed 3.4%.
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